Renee Knudson

Summary

Experienced Senior Loan Officer and AVP Branch Manager adept at acquiring new clients, assessing customer needs, providing suitable bank products for businesses and individuals, and guiding customers through loan process. Handles complex financial transactions using in-depth knowledge of bank products, cash management, wealth management, and lending regulations. Develops strong customer relationships by providing excellent service.

Overview

26

years of professional experience

Work History

Senior Home Loan Advisor

First Bank

Chula Vista, CA

04.2023 - Current

Consultative selling first mortgages- Purchases, Refinance and Home Equity Loans
Generating new business through networking, my established real estate agents, co-hosting open houses, education and program presentations to groups and individuals
Independently handling all relationship types, including relationships with complex loan structures
Ability to read, analyze and interpret financial reports and legal documents
Preparing and supervising loan packages for presentation to underwriting
Cold and warm calling
Self-sourced leads
Participate in community-oriented events- Member of PSAR (Pacific Southwest Association of Realtors)
Present, educate, and participate in branch meetings
CRM Sales Force
Cross selling bank products to branch and partners.
Originated, reviewed, processed, closed, and administered customer loan proposals.
Submitted loan applications to underwriter for verification and recommendations.
Maintained strict confidentiality of bank records and client information.

Senior Home Lending Advisor Private Client

JPMorgan Chase Bank

San Diego, CA

04.2016 - 03.2023

Consultative selling first mortgages- Purchases, Refinance and Home Equity Loans
Sourced leads through networking with my established real estate agents, co-hosting open houses, education and program presentations to groups and individuals
Independently handling all relationship types, including relationships with complex loan structures
Originated, reviewed, processed, closed, and administered customer loan proposals.
Ability to read, analyze and interpret financial reports and legal documents
Preparing and supervising loan packages for presentation to underwriting
Cold and warm calling
Networking events- Member of PSAR (Pacific Southwest Association of Realtors)
Utilized Sales Force 360 to manage my sales pipeline, customer relationships, application management, marketing, and to cross-sell clients on additional bank products
I was one of the top loan producers in the district- 5 loans per month for an average of 1.3 million per month.
Compiled database of loan applicants' credit histories, financial statements and other financial information.
Negotiated loan terms to provide favorable outcomes for both customers and lenders.
Identified opportunities to cross-sell and upsell loan products to customers.

Independent Benefits Agent

Aflac

01.2015 - 03.2016

Business to Business Sales- Drive sales by uncovering my own leads
Conducted sales presentations to business owners, decision makers, employees, and individuals
Door Knocking
Awarded 'Fast Start' for outstanding sales performance.
Recommended type and amount of coverage based on analysis of customers' circumstances using persuasive sales techniques.
Sought out new clients and developed client relationships through networking, direct referrals, lead databases, and cold calling.
Generated quotes and proposals for clients to match individual needs.

AVP - Branch Manager

JPMorgan Chase Bank

01.2011 - 01.2015

Created a culture of excellence and an environment that delivered an exceptional experience for both customers and employees
Provided leadership to my branch partners that included Loan Officers, Financial Advisors, and Business Bankers in generating new business development, cash management, wealth management to sell our bank products and demonstrate how we are a team to provide all of their banking and financial needs
Actively coached, developed, motivated, and supported my employees so that they can provide superior service to every customer
I conducted daily branch meetings and one on one's with each employee, and side by side client appointments
Set employees up for success by setting clear objectives for the branch, for each employee, and monitored progress and tracked results
Using branch CRM to log all client interactions in detail, updating goal board, review employee and branch rankings, and conducting quarterly reviews
Improved revenues and expenses and grew the business, while exceeding customer expectations
I partnered with my Business Banker outside of the premise for new and existing business customers (B2B selling)
Acknowledged as self-motivated and a self-starter from my manager
Built lasting relationships by building rapport with customers and making a connection
We owned customer issues from start to finish by finding solutions and follow up in a timely manner
Supervised the operations of the branch to effectively manage risk and compliance with policies and procedures
The branch audit ratings were consistently excellent (annual)
Always hold myself and others to the letter and spirit of the firm's Code of Conduct, its policies and regulations.
Maintained confidentiality of bank records and client information to prevent mishandling of data and potential breaches.
Consulted customers to boost product sales and services.
Identified partnership opportunities and established favorable business connections.

AVP- Branch Sales Manager

HSBC- Household Finance Corporation

11.1997 - 04.2009

Led a team of senior account executives and a sales assistant in an effort to ensure efficient processing of loan applications from start to finish including selling, taking applications, interpreting and analyze financial data, underwrite, manage resources, reduce expenses and ensure strict compliance of company policy and federal regulations
Effectively managed the lowest performing branch in Region for 1st half of year to a ranking of #5 in Division and won the Division Presidents Council trip and award for the 2nd half of the year
Successfully balanced business efforts with the developmental efforts of managers by creatively utilizing resources, which resulted in a significant improvement in performance as recognized with awards in division for 'Top insurance sales' with customer acceptance rate of 73.7%; 'Top Home and Auto sales'; #2 in Division for 'New Money Average'; and #2 in Division for 'loan account gain' of over $11MM for the year
Awarded 'Excellence in Execution' two years in row from the managing director
Led team to achieve top gain on an average of 5 months over 1 million over a three-year period
Recipient of numerous commendations from senior management, peers and direct reports as a result of my results, leadership, creativity and genuine concern for all
Numerous process improvement ideas implemented division and company-wide many resulting in either improved customer service, increased efficiency or the reduction of expenses
As the district hiring coordinator- interviewed and took part in all hiring decisions of new employees in the district
Awarded 'Top Divisional Human Resources' award in district
Awarded 100% document accuracy for the entire year, with no errors
Awarded #1 in Division for auto loans booked
Two years in a row, won 'Presidents Council trip and award' as one of the top-ranked Managers in Division, coming in with a rank of #3.

Skills

Business Development
Client Account Management
Sales Goals Attainment
Problem-Solving
Exceptional Customer Service
Relationship Building
Outgoing Personality

Sales Expertise
Client Service
Relationship Selling
Lending Product Knowledge
Product Recommendations
Policy and Procedure Adherence

References

References Available on Request

Timeline

Senior Home Loan Advisor - First Bank

04.2023 - Current

Senior Home Lending Advisor Private Client - JPMorgan Chase Bank

04.2016 - 03.2023

Independent Benefits Agent - Aflac

01.2015 - 03.2016

AVP - Branch Manager - JPMorgan Chase Bank

01.2011 - 01.2015

AVP- Branch Sales Manager - HSBC- Household Finance Corporation